Compare Quotes from Top Providers and Save now!

By: Ramu Garuda  June.24, 2019

Gavop accessed data from the California Department of Insurance to analyze home insurance rates in some of the biggest cities of California. The analysis showed that insurance rates begin at $295 in the Golden State. Pacific Property and Casualty, Mercury Insurance Group, AAA, First American Insurance, and Allstate are among the providers of low-end premiums in the state.Gavop also ranked the cheapest provider in some of California’s cities by calculating the medium premium offered by each of them. This analysis was based on the following parameters: coverage ranged from $200,000 to $750,000; the age of the homes was between 0 to 70, and the deductibles considered were $500, $1,000, and $2,500.Here are some of the biggest cities by population in California, and the cheapest home insurance providers in each of them.

San Diego

San Diego is the second-largest city in California with a population of over 1.3 million. Located on the coast of the Pacific Ocean in the southern part of the state, San Diego is known for its stable climate. As a consequence, home insurance rates are normally on the lower side in the city. Pacific Property and Casualty offers the cheapest median rate at $295, followed by Mercury Insurance group at $332, and First American Insurance at $391.


San Jose

San Jose – another one of California’s largest cities – has a population of over one million people. Located in the center of the Santa Clara Valley, it is one of the most prosperous cities of the Golden State. Home Insurance rates begin at $356, which is offered by Tokio Marine America. This is followed by Mercury Insurance Group at $538 – a difference of nearly $200. Pacific Property and Casualty follows is third on the list with a median premium of $665.



Fresno, located in the centre of the San Joaquin Valley in California, is the fifth largest city in the state, with a population of over 0.5 million. Home insurance rates in this city are relatively higher than those in other big cities like San Jose and San Diego. Mercury Insurance Group offers the cheapest home insurance, with a median premium of $592. Tokio Marine America follows closely with a median premium of $594, and Pacific Property and Casualty comes at third on the list, with a median premium of $669.


Long Beach

Long Beach, located in the Los Angeles metropolitan area, is the sixth largest city in California, with a population close to 0.4 million. Tokio Marine America offers the cheapest median premium in the city, at $456, followed by Allstate at $538 and AAA marginally higher at $540.



No Image

Ramu Garuda

Ramu is a research analyst with over 9 years of analytics & research experience. Prior to joining the company, he worked with some of the prominent consulting and market research firms in India, including Pride Technology (Supporting consulting projects to PWC), RR Donnelly, and The Hackett Group. His skills include company profiling, benchmarking, data and trend analysis, industry analysis, and report writing across the industries. Ramu holds a Master’s degree in Finance and Marketing. He also has a bachelor’s degree in Biotechnology.